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Buying insurance of any kind is a major decision and expense. Because we are living longer and sometimes 'outliving our money', Long Term Care insurance can be your new old age security. The older you are, the more costly your premiums will be. But it's never too late. Look into it and buy it now. Wednesday, November 21, 2007. Long Term Care Insurance - LTC. You'll never pay again for electric, water, exterminatior, housekeeping, gardener, or cable tv (in most cases). Check it out.find a good policy ...